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Research

Research

A Look at Seller Behavior and Outcomes during Uncertain Times

Collateral Analytics

These are extraordinary times in real estate markets and, especially perhaps, for homeowners seeking to sell their properties. Presumably, the goal for today’s homeowners wishing to sell is the same as in the past -- get the best sale price possible. However, determining market value is probably more difficult today because of the uncertainties in the current housing and mortgage market. Besides putting the house in mint condition for sale, the seller has two main choices. First, set the list price; and, set some type of reasonable goal for time on the market.  Of course and as we will see, these two are related. What the seller does not control are market forces that influence the number of potential buyers and the prices they are willing to pay.
Research

A New Automated Tool Identifies Property Complexity

Collateral Analytics

Collateral Analytics introduces an automated solution to assist lenders, appraisal management companies and other users of appraisal services with TRID appraisal fees compliance by Michael Sklarz, Ph.D., Stefan Pampulov, John Cirincione, SRA, CRE, FRICS & Darlene Swain The TILA/RESPA Integrated…
Research

A New Way to Define Real Estate Market Condition

Collateral Analytics

by Michael Sklarz, Ph.D., Jim Follain Ph.D., and Norm Miller Ph.D. It seems that everyone has an opinion regarding the state of the real estate market.  Most of these opinions are anecdotal and subjective which is unfortunate given the importance…
Research

Adjusting Loan to Value (LTV) Ratios to Reflect Value Uncertainty

Collateral Analytics

by Dr. Michael Sklarz and Dr. Norman Miller  |  August 1, 2016 Introduction It is becoming common when ordering appraisals on new loans or refi applications to also include an AVM (automated valuation model) as these are relatively inexpensive…
Research

Adjusting Mortgage Rates to Lower Credit Scores using CA’s Credit Risk Model

Collateral Analytics

By Dr. James R. Follain and Dr. Michael Sklarz Lending trends have led to more conservative underwriting in recent years follow the period of too often lax lending standards during the boom years in the…
Research

An Update on Softening Markets: The Case of Miami Beach

Dr. Michael Sklarz* and Dr. Norman Miller**

Download a PDF file of this research paper here. Introduction Last year, we wrote a paper titled “Housing Market Softening at the Top End: Will the Bottom End Follow?”[1] In that discussion, we suggested that the high Months…
Research

Appraisal Accuracy and Confidence Scoring

Collateral Analytics

by Dr. Michael Sklarz and Dr. Norman Miller  |  October 30, 2017   Download a PDF file of this research paper here. Introduction Last year we wrote a Collateral Analytics Research Article titled “A New Method to Define…
Research

CASE STUDY: CA Credit Risk Model for Seasoned Loans

Collateral Analytics

by Dr. James R. Follain and Dr. Michael Sklarz Overview Collateral Analytics offers two types of Credit Risk Models (CRM). One focuses upon newly originated loans and generates various estimates of the credit risk associated with the future performance…
Research

Combatting Regional Concentrations of Credit Risk

Collateral Analytics

How CA’s Credit Risk Model Can Help by Dr. James R. Follain and Dr. Michael Sklarz  |  Mar. 23, 2015 One of the important lessons of the recent house price bubble and bust cycle is the wide variation in the…
Research

Correcting for the Effects of Seasonality on Home Prices

Collateral Analytics

This study shows the extent of seasonality in home prices in various markets around the United States. Everyone knows there is seasonality in the pattern of sales volumes over the course of a year, but few studies have examined the…